Is this Golfer LYING about his handicap?

Last week 2 subscribers challenged us to a match! It has been going back and forth for close to a year trying to organise a suitable time and location for ⛳️ We finally got a day that worked and Toph brought along his golf friend Stewart that allegedly plays off of a 20 Handicap! We’re not having it what do yous think his handicap is? 😂 What a match and 2 great lads! Need to get the rematch scheduled in 🙌🏻😂 Stay up to date with Under Par on Instagram ;   / underpargolfofficial   #golf #golfscotland #bandit